酒店管理财务--信贷政策Credit-policy.docx
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1、淮安万达嘉华酒店Huaian Wanda Realm Hotel政策与程序Policy& Procedure 编号 No.:FIN- P&P-2.2.01批准人: 总经理Approved By: General Manager制定人:财务总监Prepared By:Finance Controller主题:信贷政策Subject:Credit Policy生效日期:2012年8月14日Effective Date:14 August 2012 Objective 目标:The most important tool used to achieve solid credit control is
2、 a comprehensive credit policy, adapted to each hotels particular requirements, periodically updated and made known to all necessary personnel in the reservations, front desk, marketing, accounting, food and beverage and A/R section. 此政策是信贷控制最重要的工具;充份诠释信用政策,使其适合每一个酒店的要求,定期对其进行更新并使所有相关部门了解,包括预定、前台、市场
3、部、财务部、餐饮部及应收账组。Content 目录:1.Credit Committee & Credit Meeting 信贷委员会及信贷会议3(1.)Credit Committee信贷委员会3(2.)Monthly Credit Meeting信贷会议42.Credit Applications 信贷申请53.Credit, Charge & Billing Procedures信贷, 计费及发单程序8(1.)Company公司8(2.)Groups团队9(3.)Credit Cards 信用卡9(A.)International Credit Cards国际卡:10(B.)Local
4、Credit Cards 本地卡:10(4.)Personal/Company Cheque个人/公司支票10(A.)Personal Cheque 个人支票10(B.)Company Cheque 公司支票11(5.)Travelers Cheques & Foreign Currencies旅行支票及外币12(A.)Travelers Cheques 旅行支票12(B.)Foreign Currencies 外币13(6.)Third Party Billing第三方付款13(7.)Personal Account个人账户13(8.)Travel Agents旅行社14(A.)No Cre
5、dit 无信贷协议14(B.)With Credit 有信贷协议14(9.)Rates and Charges价格与计费15(10.)Staff Ledger 员工挂账15(11.)Long Staying Guest长租户16(12.)No-Show Charges应抵未抵客人的收费16(13.)Skippers逃账16(14.)Credit Card Refunds信用卡退款17(15.)Cheques Received by Mail邮寄支票184.Departmental Responsibilities部门职责18(1.)Reservation预定部18(A.)Reservation
6、 Procedure预定程序18(B.)Accounts with Credit Facilities有信贷协议的公司20(C.)Guaranteed Reservations and Cancellations担保预定及其取消20(D.)After Hour Credit Request正常工作时间外的挂账申请21(E.)Accounts Without Credit Facilities无信贷协议的公司21(F.)Arrival list verification预抵客人名单的核查21(2.)Front Office前厅部22(A.)Check-in Procedures办理入住程序22(
7、I.)Personal Account - Credit Cards个人账户 - 信用卡22(II.)Personal Account Cash个人账户 - 现金24(III.)Walk-in Guests无预定客人24(IV.)Company Account公司账户25(V.)Airline/Travel Agent Voucher航空公司/旅行社订房单25(B.)Procedures to be Followed During the Guests Stay客人住店期间的风险防范25(C.)Check-out Procedures办理结账程序26(D.)Late Charge追账27(3.
8、)Food & Beverage餐饮部28(A.)Outlets餐厅28(B.)Banquet宴会29(I.)Individual Guests 个人29(II.)Companies 公司29(III.)Cash/Credit Card 现金/信用卡30(IV.)Bank Transfer 银行转账30(V.)Advance Deposit Payment 预付定金30(VI.)Cancellation Policy 取消政策31(4.)Sales & Marketing 市场销售部32(5.)Accounts Receivable 应收账33(A.)Bills & Collection发单及
9、收账33(B.)Bad Debts Procedures坏账处理程序错误!未定义书签。Appendixes 附件A. Application for Credit Facility 信贷申请B. Credit Application-Approval Letter信贷申请回复函-同意C. Credit Application-Rejection Letter信贷申请回复函-不同意D. Payment Authorization Form第三方付款授权书E. Skipper Report逃账报告F. Instant Check Out Authorization Form快速结账授权书G. 1s
10、t Reminder Letter第一封催款信H. 2nd Reminder Letter第二封催款信I. Final Reminder Letter最终催款信J. Write Off Form坏账冲销申请Procedure 程序:1. Credit Committee & Credit Meeting 信贷委员会及信贷会议(1.) Credit Committee信贷委员会 The Hotel Credit Committee consists of: 酒店信贷委员会由以下人员组成:A)General Manager总经理B )Financial Controller 财务总监C) Dire
11、ctor of Sales & Marketing 市场销售总监D) Director of F&B 餐饮部总监 E)Assistant Financial Controller 财务副总监F) Front Office Manager 前厅经理F) Credit Manager 信贷经理 The General Manger is generally responsible for the establishment of the hotels credit policies and procedures. The responsibility to carry out this funct
12、ion is delegated by him to the Credit Manager under the direct supervision of the Financial Controller. Extra care and caution should be exercised in the performance of such functions and are carried out in accordance with the policy and procedures herein outlined.总经理主要负责建立有关信贷的规章制度. 在总经理的授权,在财务总监的指
13、导下,由信贷经理负责监督具体的实施. 在具体的工作中,要特别注意遵守本政策中的规章制度。(2.) Monthly Credit Meeting信贷会议 A Credit Meeting will be held on monthly basis. Time and venue of meeting should be advised at least one (1) week prior to meeting. 信贷会议每月召开一次,时间及地点要提前一周通知有关的参会人员。 Main objective of the meeting is to review the Accounts Rece
14、ivable Aging Report, special accounts above 30 days and known problem accounts. Certain attendees will be allocated specific follow-up responsibilities, when necessary. 会议的主要内容是察看应收账龄分析报告, 超过30天未付款的账户及其他问题账户。 如有需要,以下参会人员将负责跟踪解决问题。 Attendees at the meeting should be参会人员: General Manager 总经理 Financial
15、 Controller财务总监 Assistant Financial Controller财务副总监 Director of Sales & Marketing市场销售总监 Director of F & B餐饮部总监 Front Office Manager前厅部经理 Credit Manager信贷经理 An A/R Aging report will be distributed and accounts over 60 days will be discussed. Decisions to take legal actions, request assistance from ot
16、her parties, hotel etc., black list clients and refuse acceptance of travel agents vouchers, amongst other, would normally be taken at these meetings. Exceptions, due to timing needs, would be handled by the Credit Manager, through the Financial Controller, as required.应收账龄分析报告将在会上分发并具体讨论超过60天的未付款账户
17、。会议将做出是否采取法律手段追讨欠款,是否需要其他酒店或公司的协助,是否将客人列入黑名单,是否拒收旅行社订单等有关决议。有些决定,因时间关系,将由财务总监根据实际情况,直接吩咐信贷经理去实施完成。 Any other matters causing collection difficulties are also discussed and course of action, to correct the situation before it becomes a major problem, is agreed upon.任何其他情况导致收账困难的问题,也在会上提出,以便管理层及时做出决定,
18、采取相应的措施,以防止问题进一步恶化。 The Credit Policy may also be reviewed periodically during the Credit Meeting and any procedural deficiency should be addressed immediately.信贷会议上也要对信贷政策进行定期的核查,任何与实际操作有悖的条款要及时讨论。 The Minutes of the credit meeting will be taken by the Credit Manager. It should contain information
19、related to various functional areas including a list of specific problems discussed, corrective action taken and follow up actions required by the various departments.信贷经理负责会议记录。会议记录包括会议讨论的问题,采取的措施以及负责跟踪解决问题的部门及个人。 The minutes must be distributed promptly to all attendees. These minutes are also rev
20、iewed at the following meeting to ensure agreed steps have been correctly followed up by those given the responsibility.会议纪录将在会后及时分发给所有参会人员。每次信贷会议将回顾上次的会议记录,核查有关责任人是否跟踪解决问题。2. Credit Applications 信贷申请All companies, individuals, and travel agents requesting Credit facilities within the Hotel for Banq
21、uets, Conferences, Restaurant Outlets or regular accommodation must complete an Application for Credit Facility (Ref. Appendix A) if local Credit facilities are not held. The Crdiet Manager will then access the application and inform the applicant in writing the status of the application.所有公司, 个人, 旅
22、行社提出在酒店内部的宴会,会议,餐饮消费及客房消费挂账由公司支付的,如果没有信贷协议,都需要事先填写信贷申请(附件A)。 信贷经理将负责有关调查并通知申请人结果。The client will be advised of Credit facility approval or denial within 72 hours or 3 days of receipt of application.客人将在提出申请的72小时或3天后被告知结果。 When Credit is requested, the PMS A/R system will be checked as to whether the
23、 client has already been issued with a Credit facility. If the client does have Credit facility, the Application for Credit Facility is not required. 客人提出挂账申请后,要先在系统中检查该公司是否已经有信贷协议。若客人已经有信贷协议,则不需要再填写信贷申请。 If the client does not have Credit facility, then an Application for Credit Facility is to be f
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- 酒店 管理 财务 信贷政策 Credit policy
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